【正文】 zed enterprises increased amount only less than 5%. Current, loan financing difficult has bee the bottleneck of restricting the development of small and mediumsized enterprises and small and mediumsized enterprise production and management faced difficulties, according to the state statistical bureau of statistics and letter until the end of 2020 in the small and mediumsized enterprises of production or collapse closed accounts for about 7. 5%, the urban employment, this situation is not only more difficult economic recovery, influence and directly affect the growth and development of people39。 credit approval from the cycle over the past 2, 3 months, shorten to 3, 5 days now. 4, strengthening the training of personnel. After construction in mechanism to have a group of people to do it, and do it well, it is to strengthen the training of the staff, further strengthen the small and medium enterprises, small business loans and hightech small and medium enterprises job training and the loan of munication, increasing the entire product ramp。a, solving some problems, but the loans of the small and mediumsized enterprises, especially those small problems, once the bankruptcy, nobody tube, so the bank loan quality cannot guaranteed, so in this management system, to reduce the risks, the bank will demand of small and mediumsized enterprises in providing enough after pawn dare loan. Another bank from the operation cost of small and mediumsized enterprises, do loans will pay more manpower, so also does not want to extend loans to small and mediumsized enterprises. A bank operating costs, the half is labor cost, small and mediumsized enterprises especially do small, very high labor costs, is five million or 50m or fifty billion a loan, it is the small and medium enterprises as the workload, but it is the benefit of different times. Third, the small and medium enterprises financing channel is too narrow and small and mediumsized enterprises in the capital markets have direct financing ways of securities market, including small plate and gem, And private equity funds, industrial investment funds, venture investment funds, risk investment funds, and the bond market, etc. But since the sept. 25, 2020, the small plate market, securities issued after huachang chemical and closed the door, just recently IPO to restart the IPO. But gem is ten years, good sword. people until now only be vividly portrayed. Although with gem listing conditions, but a lot of small and mediumsized enterprises to financing, for many enterprises, it is still a luxury. In overseas, small and mediumsized enterprises in the process of growing only rely on bank loan financing, many times is a venture investment risk or the help of small and mediumsized enterprises in China, however, can grow in the basic of financing. Shenzhen has 3,000 venture pany, with a registered capital of 6,000 billion, but no pany is willing to startup investment enterprise. The pany is more mature, can the fancy of the securities market and gem. Third, the small and medium enterprises financing difficulty in solving the problem (a) from the Angle of the government 1, the government should relax market access control, reducing barriers, let more smaller Banks, small and mediumsized enterprises in service for the strategic positioning of those small Banks to bitter fleabane bitter fleabane. Dynamic development Now China is probably more than a hundred villages and towns of the bank, bank established to improve the bottleneck of the economic investment county, including improving agriculture development of small and mediumsized enterprises and support will play a very important role. For existing five stateowned Banks, should be encouraged to develop their own businesses for the financing of the specialized agencies, relax its has branches and encourage them in the land, and county, township, even closer to provide financial services and more convenient. 2, the government should help Banks to establish a credit system, further reducing their information cost, in our country, the central bank since 1998 enterprise credit system construction was started by the specialized agencies, collection and storage, sorting, analysis, and use of enterprise credit information, to guard against credit risks, maintain